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    • Dan Farmer
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    • Rita Farmer
    • Sadi Spalding
    • Josh Switzer
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Start Your Journey with 
​Heartland Financial & Mortgage
.

Get Started Apply NOW -Easy Application
Call Now to Save Thousands

Your Trusted Source for Home Mortgages in
​Overland Park, KS, Belton & Raymore, MO!

​Are you seeking the best residential mortgage options in Overland Park, KS, and Belton, MO Heartland Financial & Mortgage is your one-stop destination for all your home financing needs. Whether buying a first home, renovating your existing home, or refinancing, our team of experts guides you through every step.

Putting People First

​Maximize Your Home's Equity: Get Up to 89.99% Cash Out—With No Added Mortgage Insurance.

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If you're a homeowner looking to access your home's equity, you might be surprised to learn that most banks and retail lenders cap cash-out refinances at just 80% of your home's value. But what if you could go beyond that? With the right lender, you can access up to 89.99% cash out of your home's equity--without the burden of added mortgage insurance.
Why Settle for Less?Many traditional banks limit cash-out refinances to 80% loan-to-value (LTV), which means you're leaving a significant amount of your home's equity untapped. But why settle for less when you can have more? Whether planning a major home renovation, consolidating high-interest debt, or investing in new opportunities, getting closer to 90% cash-out gives you more flexibility and financial freedom.

FREE RATE QUOTES! CALL NOW! 

Dan - 913-709-5341
Danielle- 816-256-0363
Office -  913-359-5600


​Our Services:

  • Residential Mortgage: At Heartland Financial & Mortgage, we understand each customer has unique financial goals and needs. Our experienced loan officers will work closely with you to find the perfect mortgage solution for your budget and lifestyle.
  • VA, USDA, and Home Loans: We pride ourselves on serving our nation's heroes and offer specialized VA loans to veterans and active-duty military personnel. Additionally, our USDA and conventional home loans cater to most borrowers. No matter your situation, we have the right loan for you.
  • Home Improvement Loans: Enhance the value and comfort of your home with our flexible home improvement loans. From remodeling projects to essential repairs, we can help you secure the funds to turn your house into your dream home.
  • Mortgage Rate Calculator: Use our user-friendly calculator to estimate your monthly payments and explore various loan options. Understanding what you can afford is quick, easy, and convenient.
​At Heartland Financial & Mortgage, we aim to provide exceptional customer service. We are dedicated to ensuring a smooth, transparent mortgage process, keeping you informed and supported.
 ​Are you ready to take the first step toward homeownership or refinancing your mortgage? Contact us today to schedule a consultation with one of our knowledgeable loan officers. Discover why Heartland Financial & Mortgage is the preferred choice for home mortgages in Overland Park, KS, Raymore, MO, Belton, MO. Michigan and Florida too! 

​

Understanding VA Mortgage Loans ​

Man with Dog Smiling

Kansas​
​​Dan Farmer
Direct: 913-709-5341
[email protected]
Office: 
913-359-5600



Missouri

Danielle Manson
​Direct: 816-256-0363 
​[email protected]
Office: 913-359-5600




For veterans and active-duty military personnel in Overland Park, KS, Raymore, MO and the Greater Kansas City Metro VA mortgage loans offer a fantastic opportunity to achieve homeownership with significant benefits. Heartland Financial & Mortgage guides clients through the VA mortgage loan process, helping eligible borrowers take advantage of zero down payments and competitive interest rates. ​These loans are backed by the Department of Veterans Affairs, ensuring favorable terms that make homeownership more accessible for those who have served the country. VA mortgage loans eliminate the need for a down payment and waive private mortgage insurance (PMI), typically required in conventional loans with less than 20% down. Heartland Financial & Mortgage helps clients understand these benefits and ensures a smooth application process. Whether purchasing a home or refinancing an existing mortgage, our team is committed to delivering personalized service and ensuring you get the most out of your VA loan entitlement. At Heartland Financial & Mortgage, we believe in supporting our veterans and military families by offering flexible mortgage solutions tailored to their unique needs. Our team in Overland Park has extensive experience in navigating VA loan requirements, including service eligibility and property condition guidelines. We’re here to answer all your questions and provide expert advice, ensuring you can move into your new home or refinance your current one confidently and easily.
The VA IRRRL offers a straightforward and efficient way to manage your mortgage. It can help you save time, reduce stress,
and enjoy the benefits of a lower monthly payment.

If you're ready to take the next step in your homeownership journey, consider the VA IRRRL a valuable tool in your financial arsenal.
We are committed to ensuring that our loan process is second to none in all the markets we serve.
More Details on VA IRRRL
Dan Farmer, President & CEO
Dan Farmer
Licensed in KS, MO, CO

Dan Farmer

President ​

Heartland Financial & Mortgage was opened with one primary objective Putting People First

What does that mean exactly? It means making it our #1 commitment and more than just words. It means always doing the right thing for our clients and employees.
​
By making this our priority, profitability will take care of itself. Unfortunately, too many companies take the exact opposite approach, focusing on profitability instead of their most important asset, their clients and employees.
​
es.
Loan Application Dan's Clients Only
Danielle Manson
Licensed in KS, MO
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Licensed in KS, MO

Danielle Manson

Vice President & Mortgage Consultant

Danielle's career path reflects her passion for helping others and finding the best solutions for them. Danielle worked as both a logistics manager and a sales floor manager for a large box store. By excelling in these positions, Danielle contributed to ensuring a smooth customer experience by ensuring timely and accurate processes and transactions.

Loan Application Danielle's Clients Only

Josh Switzer

Vice President & Mortgage Consultant
​With over two decades of dedicated experience in the financial industry, I'm thrilled to announce my new role as Vice President of Mortgage Lending at Heartland Financial & Mortgage. I'm passionate about helping individuals and families achieve their homeownership dreams here in the heartland. Let's explore your mortgage options together – contact me today to get started!
Loan Application for Josh's clients only
DAN FARMER
Rita Farmer
Danielle Manson
Sadi Spalding
Josh Switzer
Heartland Financial & Mortgage is open with one primary objective: “Putting People First.” This means making people our #1 commitment with not only our words but also our actions.  It means always doing the right thing for our clients as well as our team members. Whether we are providing the best financial products and tools available to improve a family’s financial future, providing Fortune 500 Benefits, or working hard to make everyone part of our family, Heartland Financial & Mortgage prioritizes what is important.

​We prioritize creating a positive, supportive, and healthy work environment. Heartland Financial & Mortgage does this all while also providing financial education to everyone—including underserved communities and schools. Heartland Financial & Mortgage is more than just a company in business to make money.

No Lending Fees - Same Day Approvals - Great Rates - Fast & Easy Process
The home loan process can be daunting, but it doesn't have to be. We are  here to help you every step of the way. Please don't hesitate to reach out,  if you have any questions.

Home Loans

No Lending Fee - Same Day Approvals - Great Rates - Fast and Easy Process
Ready to Start Your Home Loan?

We are ready to help you succeed in reaching your dream. 

Home Loan Calculator
Heartland Financial And Mortgage
Putting People First 
Proud to support our communities! 
​

We are members of:
NEJC Chamber 
Raymore Chamber 
DOP - Downtown Overland Park Association


​
Kansas Office 
7315 West 79th Street
​Overland Park, KS
​913-359-5600
​
​Dan Farmer
Direct: 
913-709-5341
[email protected]

Josh Switzer
Direct: 816-745-004
[email protected]

Rita Farmer
​[email protected]

Sadi Spalding
​[email protected]

Missouri Office 
103 S Jefferson St Suite 3,
Raymore, MO 64083
​

​Dan Farmer
Direct: 
913-709-5341
[email protected]

Danielle Manson
​Direct: 816-256-0363 
​[email protected]

Josh Switzer
Direct: 816-745-004
[email protected]
Equal Housing Opportunity
​Heartland Financial & Mortgage KS
NMLS #2457626
​
Heartland Financial & Mortgage MO
NMLS #2505009

​Dan Farmer NMLS #779961
Danielle Manson NMLS #2477659
Josh Switzer NMLS #257335



Licensed in the following states

Colorado NMLS 2457626 - Kansas MC 0026319  - Missouri 2457626
Historic Downtown Overland Park KS - Heart of Raymore MO

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  • Home
  • Home Loans Apply now
    • APPLICATION FOR DAN'S CLIENTS
    • Application for Danielle's Clients
    • Application for Tracey's Clients
    • Application for Josh's Clients
  • About
    • Dan Farmer
    • Danielle Manson
    • Rita Farmer
    • Sadi Spalding
    • Josh Switzer
  • Blog
  • Contact
  • Careers
  • Community Involvement